PRUValue Med

Overview

Introduction

We all know just how crucial medical care is in today’s world and the need for healthcare becomes even more paramount as we age. With the escalating cost of healthcare, have you ever wondered if you are able to safeguard yourself against any uncertainty and insufficient savings for healthcare?

Wouldn’t it be great if there is a medical plan that not only promises you a lifetime of assurance for all your medical needs, but also helps you save with more benefits?

Introducing PRUValue Med, a medical plan that combines values and savings. With PRUValue Med, you will never have to choose between your health and finances as your healthcare needs are what matters most to us.

Benefits

PRUValue Med is a regular premium investment-linked medical rider that reimburses medical expenses incurred in the event of hospitalization and for outpatient treatment.

Payment Term Premium is payable throughout the coverage term
Coverage Term Until the selected policy term option up to Policy Anniversary of age 70, 80, 90 or 100 next birthday (ANB)
Age of Entry Pre-birth: After 14 weeks into pregnancy*
Post-birth: 1-70ANB
Rider That Can Be Bought With This Plan PRUMedic Overseas
Basic plans that can attach this Rider PRULink Cover

*PRUValue Med can be purchased at pre-natal stage (14 weeks into pregnancy) in which the waiting period will be calculated from the actual date of birth of the child

 

Benefits Table

Benefits Benefit Amount
Room & Board Benefits
a) Hospital Daily Room & Board (R&B)
(up to 150 days per year)
Flexible option between RM100 and RM600 per day
(Increments in multiples of RM100 per day)
Hospital & Surgical Benefits
b) Intensive Care Unit / Cardiac Care Unit
(up to 90 days per year)
As Charged1

c) In-hospital & Related Services

  • Surgical Benefit
  • Hospital Supplies and Services 
  • Operating Theatre
  • Anaesthetist Fees
  • In-hospital Specialist’s Visit (limit to 2 visits per day)
As Charged1
Outpatient Treatment Benefits

d) Pre-hospitalisation Treatment (within 60 days before hospitalization)
e) Post-hospitalisation Treatment (within 90 days after hospital discharge)
f) Home Nursing Care (up to 180 days per lifetime)
g) Day Surgery
h) Day Care Procedure

As Charged1
i) Outpatient Cancer Treatment
j) Outpatient Kidney Dialysis
As Charged1
Up to 1.5 times of the initial Med Value Point per lifetime
(including take home drugs, examination tests & consultation)
k) Maternity Complications Benefit
(for female life assured only)
Up to RM5,000 per year
l) Intraocular Lens Up to RM6,000 per lifetime
m) Emergency Treatment For Accidental Injury Up to 10 times of Hospital Daily R&B amount per year
Med Saver or Deductible2 Yes or No.

If Yes, flexible option:
Med Saver RM300,
Deductible RM20,000,
Deductible RM50,000,
Deductible RM75,000 or
Deductible RM100,000.
Med Value Point Flexible option:
RM1 million,
RM1.5 million or RM2 million
Med Value Point Bonus Med Value Point increases at 2% of the initial Med Value Point at the end of every 2 years, provided no claim has been incurred during the 2 years.
Applicable to plans with Hospital Daily R&B of RM300 and above.
Emergency Medical Assistance3 Yes
Expert Medical Opinion3,4 Yes

1We shall only reimburse Reasonable and Customary Charges on eligible expenses which are deemed Medically Necessary.

2If Med Saver is chosen, policyholder must first pay a fixed amount equivalent to Med Saver selected out of the total Reasonable and Customary Charges of eligible benefits, which are Hospital & Surgical Benefits, Outpatient Treatment Benefits, Maternity Complications Benefit and Emergency Treatment For Accidental Injury (excluding the cost of Hospital Daily Room & Board and Intraocular Lens) for any one disability.

Otherwise, if Deductible is chosen, you must first pay a fixed amount equivalent to the Deductible selected out of the total Reasonable and Customary Charges of accumulated eligible benefits, which are Hospital Daily Room & Board, Hospital & Surgical Benefits, Outpatient Treatment Benefits and Other Benefits within an annexure year.

If Med Saver or Deductible are not chosen, the fixed amount shall not apply.

3Emergency Medical Assistance and Expert Medical Opinion are services provided from third party providers which are non-contractual in nature and do not form part of the policy. We have the right to terminate this service by giving a 90 days written notice.

4Expert Medical Opinion is a value added service that provides second medical opinion from medical experts in various areas of specialization. This service is to assist you to learn more about your medical conditions and make an informed decision on the treatment plans.

Please refer to Medical Plus Solution page for further details such as full list of benefits, exclusions, waiting period and other terms and conditions.

Note: Medical Plus Solution is a package offered using PRULink Cover as the basic plan and has PRUValue Med as one of the medical riders that are selected for attachment. Value Med as one of the medical riders that are selected for attachment.

 

Cost of Insurance Charges

Please click here for full cost of insurance charges.

Exclusions

Please click here for the exclusion lists.

Eligibility

Age of Entry: 

Pre-natal – 14 to 35 gestational weeks*

Child – 14 days to age 18 next birthday

Adult – age 19 to 70 next birthday

 

*PRUValue Med can be purchased at prenatal level in which the waiting period will be calculated starting from the actual date of birth of the child.

Enrolment

Visit any UOBM Branch nearest to you.